Travel Health Insurance: It’s Easy to Get and Cheaper Than You Think

Of the concerns people have when the topic of world travel rears its exciting head, few feel as serious as the concern of getting sick or hurt in a foreign country without any form of health insurance to take care of the problem. Compared with the fear of running into serious health problems abroad, the concern of not knowing where to travel, or the worry about getting scammed, or insecurities surrounding your ability to make the money necessary to travel all seem trivial. None of those fears can kill you- getting sick or hurt abroad without any form of health insurance can.

Most forms of health insurance are nationally based, they are domestic, which means the insurance you use at home isn’t going to do much of anything for you abroad. Thankfully, getting health insurance while you’re travelling, or getting insurance that will cover you as you travel, is a lot easier than you think and it doesn’t need to cost an arm and a leg.

An Important Question

Before we get into the nitty gritty of how to acquire health insurance that will keep you secure and feeling good during your travels you need to ask yourself a single important question- do you plan on travelling to one country or multiple destinations?

The answer to this question will determine what sort of insurance you will need. If you’re travelling all over the place than you need a more comprehensive, far-reaching insurance. If you’re travelling to a single city or country and setting down roots for a few weeks or a couple months then you only need to get health insurance valid within that country.

Even though you should avoid overly-detailed travel planning to figure out the answer to this question before you leave home, it is a good idea to plan your health insurance needs.

Single-Country Insurance Strategies

As far as insurance goes, if you’re travelling to a single city or country you have it easy– though it’s important you act fast for peace of mind and safety’s sake. You should purchase local insurance the first day you arrive.

Doing this not only makes sure you’re protected no matter what happens, resolving to buy insurance your first day in a new country is also the best way to be sure you actually get it done. It’s easy to put off chores and busy work, the less sexy elements of travel, when you’re excited to be in a new country and itching to start exploring. Getting all the boring stuff out-of-the-way as soon as possible protects you against the dangers of procrastination- dangers that are potentially lethal when it comes to medical coverage.

But how, exactly, can you find local insurance?

Well, you have two options.

You can spend hours trying to research local medical coverage plans online, often browsing through poorly translated websites in an attempt to compare one plan with all the others. Or,

You can take the easy route and just ask an employee at your hostel or your hotel what local health insurance they have and what insurance they think you should sign up for. Then find out if their insurance coverage is available to visitors. Hospitality workers are there to help you out, and the more personally owned and operated your lodgings the better the chances of receiving some good advice from them.

Multi-Country Insurance Strategies

Owning local insurance in addition to global insurance is almost always a good idea. After all, it’s a safe bet local hospitals will accept your local insurance card but there’s no guarantee local hospitals will accept your international coverage. That being said, if you’re travelling to a large number of different locations, you don’t really have much of a choice. You need to get the most comprehensive global health insurance you can afford.

When it comes to global health insurance you have a couple options at your disposal.

1) First, you can take a look at your existing domestic health insurance and determine whether it provides any sort of worldwide coverage at all. The bigger the insurance carrier the more likely it will provide something for you when you’re out crisscrossing the globe. If you don’t know where to look and you’re unsure about your current coverage you should get on the phone with a representative and start asking questions.

If your current coverage won’t help you overseas you need to ask whether there’s any plan provided by your carrier that will help you out as you travel. If there’s an upgrade to your insurance available and if the upgrade will cover you abroad you’d be wise to pay a little extra to make sure you’re secure. Acquiring traveler’s insurance isn’t really difficult but ultimately it’s a lot easier to stick with the carrier you already have than to unnecessarily jump ship.

2) If your current carrier does not provide travel coverage while you’re travelling and if they do not offer any sort of upgrade, add-on or package that will cover you abroad, then you need to locate a new carrier.

You can either switch over to a large carrier who provides a wide range of insurance options, or you can just sign on with a carrier who specializes in traveller’s insurance.

3) Travel Health Insurance is a LOT more common and a LOT cheaper than you’d think. Don’t be surprised if you find travel health insurance that is considerably less expensive than what you’re paying for your existing domestic coverage. Not only that, but travel health insurance tends to be extremely flexible. You can purchase insurance for a single trip, you can purchase insurance for trips of varying lengths (such as 30, 60 or 90 days) and you can purchase insurance for those times you’re going to travel indefinitely.

So how cheap can travel health insurance be? How does less than $1,000 dollars a year sound to you? Compared with the normal $300-$500/month you’d pay for your own health insurance, if it’s not covered by your employer’s travel insurance, this represents a really, really good deal.

What Types of Travel Insurance Do You Need?

When you start researching travel insurance you’ll soon realize there are many types of travel insurance out there, all covering a different corner of the traveller’s experience.

The average traveller simply needs to purchase the most comprehensive Travel Health Insurance they can find. But if you’re travelling to snowboard the alps or something else that may be considered risky, then Hazardous Sports Insurance might also be worthwhile.

Evacuation Insurance might make sense to help get out of countries if political or environmental situations turn ugly, but only if you are in a country where you could reasonably assume you could be evacuated by helicopter.

You can purchase Identity Theft Protection in case someone swipes your passport and credit cards.

You can purchase Cancellation Insurance to make sure you end up at your destination even if your airline starts messing with your reservations or some other unforeseen problem arises.

Whether you purchase these different forms of insurance or not depends a lot on where you’re going and what you plan on doing there.

Resort in Pench National Park

The Gondwana or the “Land of Gonds” in central India which includes the Pench Tiger reserve, strectches across Madhya Pradesh and Maharatsra. The common languages here is the Gondi, a spoken language. They depend on forest produce for sustenance and livelihood. The history of Pench is rich and enthralling. The history of Pench discloses fascinating and delightful facets of culture and life cycle of the societies of Pench.

The Pench tiger reserve is spread over two states, the Seoni and Chhindwara districts of Madhya Pradesh and Nagpur district of Maharashtra. Pench M.P.covers around 757 squares Kms and Maharashtra covering an additional covering 741.22 sq kms has also been declared Pench tiger reserve. Together these two are home to breeding tigress which in turn plays an important role in revitalising the meta-population of tiger reserves.

Interestingly, according to local lore a boy named Mowgli was brought up by a heard of wolves and was found in the Sant Bawadi village. A very famous “The Jungle Book” is based on the Mowgli and its land Pench national Park described by Rudyard Kipling’s. Rudyard Kiplings describes Mowgli and its land “Pench national Park” in his very famous “The Jungle Book” which is a collection of stories by him using animals in a manner to give moral lessons. Also mentioning about the Valley of Ben Ganga River near Kanivadi village where Sher khan of the children’s favourite fanciful tale met his end.

During your visit to Pench and opting for a thrilling Pench jungle safari you will notice the traces of the ancient happenings occurred.

The Living forest: Flaura & Fauna- The remarkable landscape of Pench is the hills, the dense forest and open meadows. Pench forest is largely made up of dry deciduous forest where large tracts of Teak, bamboo, Saaja (crocodile tree), Ghost tree, Mahua, and many more fruit trees. The region has dense red soil rich in lime, magnesia, iron in which dry crops and cotton flourish.

The Iconic the king “Tiger”- The tallest living species in the cat family. The leopard is an intelligent elusive carnivore that manages to sustain itself even in forest dominated by tigers. The other carnivores are dhole (wild dog), jungle cat, small Indian civet, Wolves, Striped hyena, Sloth bear, Jackal, and common palm civet make up the rest of the carnivore fauna of the Pench Tiger Reserve. The pray of these carnivores are Deer, Sambhar, Blue bull, Bison etc are most commonly sighted. Though the flying squirrel, porcupine and Indian pangolin are also resident of the park, spotting any of these is rare.

Bird Watching in Pench: The Pench national park is known as the bird watchers paradise. It has 325 species of birds which includes resident and migratory both. Pench is attaining recognition as one if the India’s premium birding destinations. Bird life is so rich in Pench national park because water birds are attracted to the reservoir situated in the park. Winter migrants includes snipes, sand pipers and wagtails. The cormorants, storks, egrets, fishing eagles and kingfishers have colonised the reserve. The diversity of habitats at Pench is combined with population of predator and prey species make it ideal for vultures. Lots of tourist choose for Pench jungle safaris only to sight vulture which is rare and available in few wild life sanctuaries only.

The Digital Future of the Hotel Industry Starts at Home

During my many years of travel in the service industry and having stayed in hundreds of hotels worldwide, it’s clear that the past five years have brought about enormous change in the hotel industry.

Innovation with architecture, interior design and guest comfort is at an all-time high. Widespread revitalisation has been incredibly successful in meeting guest expectations. Yet, in an increasingly demanding world, there still also remains a huge opportunity to truly create a home from home for the traveler.

Improvement On the Old?… How Much Has Actually Changed in The Hotel Industry?

In so many areas, the revitalisation of hotels continues to occur through the use of innovative products. Yet, if you look closely, you begin to realise that most ideas are limited to enhancing old, existing structures, whilst missing vital customer life cycles.

In a world where customer loyalty is hard-fought and guest expectations are continuing to rise, what’s truly needed is a shift to more dynamic business models: Low risk, digital strategies that are truly in sync with customer’s loves and expectations.

So, What’s Missing from the Guest Experience?

Be it a family, business clients or honeymooning couples, people are now approaching their travel with exceedingly high expectations. In today’s environment, we have access to so much. We have a plethora of choice in our everyday lives and we expect the same standard of availability, ease and access when we enter a hotel.

Modern Expectations

Take my example: At home, my WIFI works seamlessly, without the need for daily passcodes. I can fill my fridge with my favourite food, available for me whenever I want it. I can order it or purchase it on a whim to make my Friday night extra special. I control the temperature of my house, so that when I come home, it’s comfortable. I book massages or entertainment online to consume immediately.

These are all ‘givens’ for me. And I expect them – and more – from my hotel.

I’d love to be able to choose my preferred pillow prior to my arrival. I want to be able to book a reservation at a restaurant or spa with ease and without constant phone calls, or easily choose a city tour without visiting reception. If I have a problem during my stay, I want it fixed fast – not needing to chase a maid or deal with a busy receptionist.

If you, as a hotel, can provide a solution for me to easily manage my needs – through the entire lifecycle of my experience – from booking, staying, right through to months after my stay, then you will earn both my loyalty and my revenue.

Touch and Influence Through Mobile

But how could a hotel achieve this? By adapting pragmatic digital strategies within the guest life cycle. Mobile as our main form of communication and source of information, is one ideal solution.

Located directly on the home screen of the guest’s own device, you have the opportunity to live, literally, in the palm of their hand and be just a touch away from a direct, on- going connection. Your hotel’s physical attributes offer them comfort, whilst your digital presence offers them a 24/7 relationship with you.

A Thriving, Connected Business

The potential for true connection with customers – before, during and after their physical stay – is vast; the opportunities an innovation in this area, endless. Yet, the fact remains that hotels aren’t yet harnessing a personalized digital customer strategy.

Travel to Costa Rica: Hotel Reviews

The Best Western, Costa Rica
Rating: 3.5/5 Stars
It was only 15 minutes away from the airport and right in the middle of the city. I felt as though it was a nice transition from being in the U.S. to being in a different country since it is a big, international hotel chain. Everyone we spoke with spoke perfect English but they were also locals so they were open to sharing any advice you might need. The rooms were pretty average and clean with a great view of the courtyard and pool area at the center of the hotel. We swam in the pool during the day (very clean and well kept) and the hot tub was located to the side, a little more private, with an ‘infinity pool’ kind of feel. Overall, it was a simple hotel that offered just enough for us.

Lomas del Volcan, San Carlos
Rating: 4/5 Stars
To this day, it has been one of the most unique and memorable places I have ever stayed. It might seem sketchy when you have to go off the main road and drive up this dirt trail on an incline for a bit, but then you reach a normal road and it takes you right to the main hotel site to check in. The staff was attentive and welcoming. It was a simple dining center, both indoor and outdoor with a terrific buffet. From there, we had to keep going up the incline and walked with our luggage to our own huts. (unfortunate downside: no one carting you around the resort) Towels shaped into flamingos were propped up on each bed accompanied by rose pedals. The bathroom was very large and open which was nice when sharing with others. We had a little front porch and a back porch opening up to all the beautiful surrounding nature. When we would head out in the mornings there would be monkeys swinging around the trees, right outside our hut!! It is also very close to all the near by activities, right off the Arenal Volcano!

Condovac la Costa, Playa Hermosa
Rating: 4/5 Stars
We stayed at this large resort right off the sandy beaches. There is constant uphill and downhill traveling so you’re in for a good work out but luckily there were golf carts roaming around to help guests get around. The welcome desk was very pleasant, with tons of people around to assist you. The rooms were okay, not completely 4 star worthy, but it was everything else that made me give it this rating. They had a tennis court, game room, pool area, karaoke, infinity pool, zumba lessons, salsa lessons, a great restaurant, gift shop and most importantly: their private beach entrance which only lead you to do more! We barely even stayed in the hotel room the amenities kept us so busy. We had no problems with anything here! Highly recommend.